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Investing within the Czech and Slovak common market

Žltý melón offers you various types of investments and loans to choose from, as well as different forms of security and approaches to help you manage and protect your investment portfolio. Everything you need has already been prepared for you, making it easy to decide on the most profitable investing strategy that is tailored just for you.

In our unique common market, you can invest in loans taken out by people in both the Czech and Slovak Republic.

Plus, along with returns generated on your investments through the interest paid on loans by borrowers, you may also indirectly invest in EUR or CZK currency to benefit from fluctuations in currency exchange rates and protect your investment portfolio against unexpected changes in the global currency markets.

Standard Loans

Invest directly in the individual loans of your choice.

Investment in individual loans is arranged via loan auctions where you choose the borrower and set the conditions for funding their loan. This is done by making an investment offer to fund their loan, where you list the amount and the interest rate for your investment.

Žltý melón provides various types of credit and loan auctions to ensure the best match is found for each investor and borrower. Every loan applicant is thoroughly verified and their creditworthiness is assessed carefully to minimise the risk to investors and likelihood they will fail to repay their loan.

You are provided with all the information you need to make your investment decisions and you can also ask the applicants further questions if anything is unclear and to ensure you fully understand their loan application before you invest.

Loans with an extra guarantee

Investing at unbeatable rates with an extra guarantee on your investment.

Invest your money into short-term real estate finance at an interest rate of 5.9% p.a. plus receive an extra one-time bonus payment of up to 1.0% of your total investment, paid directly into your Žltý melón investment account. We offer our clients a unique opportunity to invest in safe and profitable loans taken out by people to finance the purchase of their new home.

Investment in these loans are secured with a buyback guarantee, provided by a well-known property developer, as well as the real estate itself, which ensures that your investment can be realised as cash at any time..

Secondary market

Invest in existing loans that fit your investment strategy.

Our secondary market ensures your investments have high liquidity and can be realised as cash whenever you need it.
Using our unique secondary market means you can buy existing loans which were provided through Žltý melón and previously funded by other
investors, plus, sell your investment stake in loans made on our platform to other investors, quickly turning your investment back into
cash.

When investing on the secondary market you are able to see the borrower’s history of repayments on their loan and the level
of returns earned by the current investor from those repayments. You can also discuss other details with the current investor before
negotiating a fair price for their stake in the existing loan, which works for both of you.

Savings through an automatic investment

Our platform allows you to invest your money in loans automatically to save you time and ensure your money is working for you. All you
need to do is choose your your desired investment strategy, either by setting the detailed loan criteria yourself, or by using one of our recommended
investment strategies.

Our system of revenue optimisation does the rest and will ensure that your return on investment will be maximised. Automatic investment means
you do not have to invest manually into various auctions for loans or discuss loan applications with potential borrower. Our system saves you
time, while also ensuring you remain in full control of your investment and can monitor the performance of your portfolio or alter your
investment strategy at any time.

HIGH RISK loans

Higher risk investing for experienced investors that allows you to receive higher returns on your investment above the average rate earned on our platform.

Investing in loans that are categorised as "High Risk" loans is available to experienced investors and is similar to investing in standard loans, but offers the opportunity to earn higher levels of return that are above the average for loans on our platform. Loan applicants can only join the "High Risk" auctions after they are verified and their creditworthiness is assessed carefully through a special vetting process.

By providing investment for "High Risk" loans, you are able to receive higher returns on your investment, but you also take on higher risk. We only recommend these types of loan investments for experienced investors who are able to manage the increased risk.

TYPES OF LOANS ON ŽLTÝ MELÓN

Standard Loans

Unsecured personal loans of up to 10 000 EUR.

These are standard unsecured loans, but investors still have a legal right to collect from borrowers in the event of non-payment through a claim against the borrowers personal property. Higher risk borrowers are asked to consent to repayments through payroll deductions as a form of additional security for investors.

Guarantor Loan

This is the same type of loan as a standard personal loan, but is taken out with someone else close to the borrower, who agrees to act as a guarantor and co-signs for the loan.

If the borrower fails to repay their loan as agreed, the legal obligation for the loan and its full repayment passes to the guarantor.

Special-Purpose Loan To Cover Home Improvement Projects And New Furnishings

Special-purpose loans for home improvement projects and to finance the purcahse of new furniture and fittings.

The borrower has 90 days following the loan being funded to provide documents showing that their money was spent in compliance with the stated purpose in their loan application. Providing a special-purpose loan to the borrower to use for their own home means it is a lower risk product than the standard non-purpose loan.

Debt Consolidation Loans

Loans to pay off and consolidate the existing debts owed by a borrower.

Within the evaluation process for these loans we assess and evaluate the borrower’s credit history to ensure that we only approve people with a good track-record of repaying loans on time and meeting their financial obligations. Žltý melón is able to offer this type of loan at interest rates that are up to 2% lower than what borrowers are currently paying, saving them money.

Quick loan

Short-term investment for only one month!

Direct investment in loans for borrowers in the High Risk category, but with a loan duration of 1 to 6 months. The quick loan helps borrower‘s with short-term cash needs, such as to bridge a gap between salary payments, as well as to escape the cycle of loans from high cost lenders.
The amount of the loan is lower than for standard loans. The borrower pays only the interest on the loan, which is fixed at an affordable rate, and repayment is due in full the following month. However, the borrower has the option of extending the loan for up to 6 months and repaying in a series of smaller, more manageable, regular monthly installments.

CashFree Housing

Loans to finance the purchase of a new home

These loans are provided in partnership with a well-known real estate developer and is used to cover the first deposit needed to secure the reserveration of a new home bought by the applicant. The properties being purchased with these loans are currently under construction. As these loans are linked to real estate, the developer also provides an additional guarantee for investors, in the form of a full refund of their investment in the event that the borrower has difficulties maintaining their loan repayments.

CashFree Hypo

Loans to finance the deposit for the purchase of a new home

The CashFree Hypo loan is used to finance the deposit for the purchase of a new home.
The primary requirement for this loan is to secure a traditional mortgage with a bank in Slovakia.
These loans are secured through an agreement that allows investors to claim money owed to them through the sale of the property, immediately after the bank that issued the mortgage.

CashFree Parking

Loans to finance the purchase of a parking space or storage unit.

These loans are provided in partnership with a well-known real estate developer and are used to cover part of the purchase price for a new parking place or storage cellar bought by the applicant. The developer also provides an additional guarantee for investors, in the form of a full refund of their investment in the event that the borrower has difficulties maintaining their loan repayments.

CashFree PURCHASE

Loans for the purchase of consumer goods through instalments

Profitable investment in special-purpose loans to finance the purchase of higher value consumer goods and services. This loan is provided in partnership with the retailers and firms that provide these goods and services. Therefore, applicants can easily apply for a loan directly at time of purchase and do not need to visit any financial institutions to obtain a loan to finance their purchase. This loan is simple, transparent and available on attractive terms for borrowers.

Setting the interest rate for loans

Žltý melón will recommend an appropriate interest rate for each loan application. The recommended interest rate is based on both the applicant’s risk profile and the relevant conditions of the current loan market to balance the interests of both sides.

The recommended interest rate primarily depends on the applicant’s financial situation and is based on the appropriate risk surcharge for the applicant’s risk class. The risk surcharge depends on the level of risk for the loan and the possible impact on investment returns, in order that the risk surcharge can cover losses resulting from possible loan defaults and failed repayments when investments are sufficiently diversified.

you set the interest rate for loans

The recommended interest rates offered by Žltý melón for loans are not obligatory for the investors. You are able to define the actual interest rate for loans that will meet your expectations for returns on your investment and which you are willing to offer borrowers.

We monitor the activity trends for the various risk classes assigned to loan applicants, including the status of their current loans and for early indications of possible loan defaults and repayment difficulties.

TyPES of AUction

There are two types of auction in which investors can invest on Žltý melón: Standard auction and Secure investment auction. The main distinction lies in different price creation model for the loans.

Standard Auction

By this auction type is the final interest rate setup based on investor's bids competition.

Žltý melón recommends to each application an individual interest rate based on risk profile of the borrower.

Within the auction you may offer lower or higher rate then the recommended, however your investment can be removed and replaced by offers at lower interest rates that are ade by other investors .

The maximum interest rate you can bid is 1.5 multiple of the preferred interest rate.

The auction will run for up to 14 days, however, the borrower can accept the terms offered by investors at any point in order to end the auction earlier.

Once a loan auction reaches 100% funding for the borrower's requested loan amount, it will end within 24 hours. This is either at the original 14-day end date for the auction or 24 hours after the funding target has been met, whichever is sooner.

Secured investment

This auction type is used to finance purpose loans with a fix rate, specifically external or internal refinance loans and CashFree products.

Žltý melón assings to every such loan application fixed interest rate, at which may be the investment realized.

In case of CashFree Housing and CashFree Parking there's no maximum limit on investment amount as the products comes with a guarantee.

In case of refinancing the borrower may refinance both existing loans granted on Žltý melón or by other exteral institution.

The auction lasts up to 14 days, in the moment the auction reaches 100 % funding it finishes immediately.

Keep in mind that when investing in peer-to-peer loans you risk your capital as it does not apply any protective mechanism. You can learn more about the risks of peer-to-peer lending and the Žltý melón transparent approach on this page or in the Prospectus of the User. Investors should study both the Prospectus and the The Conflict of Interest before they invest.

Strategic investor: EU-JEREMIE-Fund. Žltý melón is supported by the European Investment Fund as an equity investor through the JEREMIE initiative. You can learn about our company in the section
About us.

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